IMPORTANT RATE, FEE AND OTHER COST INFORMATION (SUMMARY OF CREDIT TERMS)

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0.00%
introductory APR for the first 6 billing cycles.
After that, your APR will be
9.99%,
12.99% or
17.99%,
based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

0.00%
introductory APR for the first 6 billing cycles.
After that, your APR will be
9.99%,
12.99% or
17.99%, based
on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

25.24%.
This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 20 days after the close of each billing cycle. We will not charge you any
interest on purchases if you pay your entire balance by the due date each month.1

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.75.

Fees

Set-up and Maintenance Fees

Annual Fee

Monthly Fee

None

None

Transaction Fees

Balance Transfer

Cash Advance

Cash Equivalent

Foreign Transaction

Introductory fee of either $10 or
4% of the amount of each transfer, whichever is greater,
for balance transfers made in the first
6 billing cycles.
After that, either $10 or
5% of the amount of each transfer, whichever is greater

Either $15
or 5% of the
amount of each cash advance, whichever is greater

Either $15
or 5% of the
amount of each cash equivalent transaction, whichever is greater

3% of each transaction in U.S. dollars.

Penalty Fees

Late Payment

Over-the-Credit-Limit

Returned Payment (Payment Dishonored)

$35 if New Balance is less than
$500

$39 if New Balance
is equal to or greater than $500

$39

$35

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".

Index And When It Is Determined: The Index used to determine your variable APRs is the highest U.S. Prime Rate as
published in the "Money Rates" section of The Wall Street Journal during the 90 days immediately preceding the last day of each
calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month
after the determination date. For example if your billing cycle ends in July, we will use the Index determined on
May 31st. As of 03/01/2015,
the Index (Prime Rate) was 3.25%.

APR for Purchases and Balance Transfers: To determine the APR for purchases and balance transfers, we add a
margin of 6.74%,
9.74%
or 14.74% to the Index (Prime Rate).

APR for Cash Advances: To determine the APR for cash advances, we add a margin of
21.99% to the Index (Prime Rate).

1We will begin charging interest on cash advances and balance transfers on the transaction date.

Please Note: Your
account generally will have monthly billing cycles, except that your first
billing cycle may be more or less than one month. All credit terms, including
minimum finance charges, will apply in each billing cycle including
the first billing cycle.

You understand that the terms of your account, including the APRs, are subject to change.
IMPORTANT NOTICE REGARDING CHANGES IN TERMS.
We reserve the right to unilaterally change the rates, fees, costs, and other
terms at any time for any reason subject to applicable law.

Required minimum payments may be allocated to the lower APRs first.
Payments in excess of the required minimum payment will generally be applied to balances with highest APRs first.

BALANCE TRANSFERS: You authorize us to make one or more of the
balance transfers that you have requested. All balance transfer requests
are subject to our approval; we are not liable if we do not make a requested
balance transfer. We reserve the right to make balance transfers in the order
we select and to limit the amount of the balance transfers that we
make (this amount may be less than your total credit limit). If you request
an amount that we do not approve, we may process a partial transfer for less
than you requested or we may decline the entire request. In addition, transfer
requests that are incomplete, illegible or requested to cash, to yourself or to
another account with us or one of our affiliates need not be processed. You should not transfer
any amount that is in dispute in order to preserve your dispute rights. You should continue
to monitor the other accounts that you request to transfer balances from and you should
continue to pay the minimum payments due on those accounts until you receive statements
from those creditors showing that the balances due them have been paid in full. This
may not happen until after the balance transfer appears on your billing statement from us.
You are liable for any late payments, finance charges or disputed amounts on your other accounts.
If you want your other accounts closed following a balance transfer, you are responsible for doing so.
Balance transfers are subject to applicable fees and finance charges and do not have the benefit
of a grace period.

CREDIT REPORTS: By applying for this account
you agree that First Bankcard® (a division of First National Bank of Omaha) may obtain
credit reports for purposes of processing your application and for
later purposes related to your account such as reviewing, updating
and renewing it, increasing the credit line and collecting. If you
request, you will be informed of whether or not a credit report was
requested and of the name and address of the credit reporting
agency that furnished the report. You also authorize
First Bankcard® (a division of First National Bank of Omaha) to verify your
employment, income and other relevant information.

NOTICE TO CARDMEMBERS AND AUTHORIZED USERS: We may report
information about your account to credit bureaus. Late payments, missed payments,
or other defaults on your account may be reflected in your credit report.

MINIMUM PAYMENT: You may pay all or a part of the balance
on your account at any time. However, you must pay at least the minimum payment
by the due date shown on your billing statement. The minimum payment will
be indicated on your billing statement and shall be the largest of (1), (2), or (3) listed
below, plus any amount that is past due on your account: (1) Your total New Balance
if it is less than $10; (2) The greater of 2% of the entire New Balance, or $10;
OR (3) The sum of your current cycle fees and finance charges, plus 1% of the entire
New Balance (to calculate this 1%, we will not count amounts in dispute or current
cycle fees and finance charges as part of the New Balance). If your account is
overlimit, we will add to the minimum payment the amount
necessary to reduce your balance to your approved credit limit.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the
government fight the funding of terrorism and money laundering
activities, the USA Patriot Act requires all financial institutions
to obtain, verify, and record information that identifies each person
(including business entities) who opens an account.

What this means
for you: When you open an account, we will ask for your name,
physical address, date of birth, and other information that will
allow us to identify you. We may also ask for other identifying
documents. We will let you know if additional information is
required.

Married applicants may apply for separate Accounts in their own names.

OHIO RESIDENTS: The Ohio laws against discrimination
require that all creditors make credit equally available to all
creditworthy customers and that credit reporting agencies maintain
separate credit histories on each individual upon request. The Ohio
Civil Rights Commission administers compliance with this law.

NOTICE TO MARRIED WISCONSIN APPLICANTS: No provision of any marital property
agreement, unilateral statement or court decree adversely affects our
interests and/or rights unless, prior to the time the credit is
granted or an open-end credit plan is entered into, we are furnished
with a copy of the agreement, statement, or decree, or have actual
knowledge of the adverse provision. Married Wisconsin residents
applying for credit separately must furnish name,
and address of their spouse to
First Bankcard® (a division of First National Bank of Omaha) at P.O. Box 3696, Omaha, NE 68172-9936.

CALIFORNIA RESIDENTS: The applicant, if married, may apply for a
separate account. After credit approval, each applicant shall have
the right to use this account to the extent of any credit limit set
by the creditor and each applicant may be liable for all amounts of
credit extended under this account to each joint applicant.

NEW YORK RESIDENTS may contact the New York State Department of Financial Services to obtain
a comparative listing of credit card rates, fees and grace periods.
New York State Department of Financial Services: 1-877-226-5697.

ARBITRATION NOTICE: You understand that any Cardmember Agreement you receive will contain an arbitration
provision that may substantially limit your rights in the event of a dispute, including your right to
litigate in court or have a jury trial, discovery and appeal rights, and the right to participate in
court or in arbitration as a representative or member of a class action. You may request arbitration rules and
forms through either or both of the following arbitration administrators: American Arbitration Association,
1-800-778-7879; and National Arbitration Forum, 1-800-474-2371. Please review the Cardmember Agreement and its
arbitration provision carefully before you use or allow someone else to use an account.

Cards are issued by First Bankcard® (a division of First National Bank of Omaha).

Consent to Receive Disclosures Electronically:
By submitting this application,
you have demonstrated your ability to access the
information on these web pages and have consented to receiving credit disclosures related
to this application
electronically. Your consent applies only to the related disclosures and does not apply
to subsequent disclosures, such as changes in terms or periodic statements.
You understand that you have the right, at no additional charge, to withdraw
your consent, and/or request a paper copy of the credit disclosures, within thirty
days of submitting your application
by writing to First Bankcard® (a division of First National Bank of Omaha), P.O. Box 3696, Omaha, NE 68172-9936.
If you applied, please include a description of the product applied for.
If you have already opened your account, please include your account number. Your
application will be processed based on your initial consent, and the withdrawal of your consent will not affect the
processing of your application.

Hardware/Software Requirements:
A computer capable of accessing Internet web pages and a printer or other device capable of
printing and/or retaining Internet-based data. It is recommended that you retain a copy
of the credit disclosure for your records. The minimum browser requirements
include: Internet Explorer 4.0 or higher or Netscape Navigator 3.0 or higher. The
recommended screen resolution is 800x600. It is recommended that you use a browser
that is capable of 128-bit encryption and SSL 3.0.